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Why is an exchange even needed?? There's already several websites that are dedicated to this very purpose. What is the point of spending government tax dollars to perform the exact same function as the free market does for free.

You, my brothers and sisters, were called to be free. But do not use your freedom to indulge the flesh; rather, serve one another humbly in love.For the entire law is fulfilled in keeping this one command: “Love your neighbor as yourself.”

Why is an exchange even needed?? There's already several websites that are dedicated to this very purpose. What is the point of spending government tax dollars to perform the exact same function as the free market does for free.

Because the market is doing a terrible job of it.

He touched her over her bra and underpants, she says, and guided her hand to touch him over his underwear

No it isn't. The market is doing a fine job of offering the most affordable insurance possible. You can get individual coverage for $55 a month on these websites.

You, my brothers and sisters, were called to be free. But do not use your freedom to indulge the flesh; rather, serve one another humbly in love.For the entire law is fulfilled in keeping this one command: “Love your neighbor as yourself.”